Bangalore: You would have had tough times managing your finances and trying to stay far from getting trapped in debts. But at the end of the month you realize all your planning went in vain because you have failed in meeting your objective. That's because you faced certain financial dilemmas which you couldn't handle. Like restricting oneself to a budget and staying far from tempting new products that are constantly being swayed in front of you forcing you to splurge. Budgeting for many is like going on a diet. Here are a few ways to resist the urge to splurge as you struggle to pay your holiday debt. Keep Your credit Card at Home If you love using your credit card for every single purchase, then its good to leave your credit card at home. Because you will feel the pain of paying with cash this will prevent you from doing any impulsive buying and also prevent you from spending beyond your means. Replace the credit cards in your wallet with cash. Because having a credit with yo, you would land up doing reckless shopping and may even purchase things that you don't really need. And later paying the credit bills will be difficult.